Free Online Atal Pension Yojana (APY) Calculator for Indian Citizens
Atal Pension Yojana calculator helps you estimate your monthly contribution amount, total investment, and guaranteed pension based on your current age. Plan your retirement under the APY government scheme with accurate PFRDA-based calculations instantly.
Calculate Your APY Pension Contribution
Your Guaranteed Monthly Pension
| Age | ₹1,000/mo | ₹2,000/mo | ₹3,000/mo | ₹4,000/mo | ₹5,000/mo |
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How to Use the Atal Pension Yojana Calculator
Enter Your Current Age
Enter your current age between 18 and 40 years in the age input field. APY is available only for Indian citizens in this age group.
Select Desired Monthly Pension
Choose your desired monthly pension amount from the available options: ₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000 per month after age 60.
Click Calculate
Click the Calculate button to instantly see your monthly contribution, total investment, contribution period, and guaranteed pension details.
Copy or Print Results
Use the Copy Result button to copy your APY calculation details or use your browser print function to save a physical copy for reference.
Key Features of This APY Calculator
100% Free Calculator
Use this Atal Pension Yojana calculator unlimited times without any charges, signup, or hidden subscription fees.
PFRDA Accurate Data
Contribution amounts are based on the official PFRDA chart ensuring accurate and reliable pension planning results.
Instant Calculation
Get your APY contribution details in milliseconds with real-time processing directly in your browser without any waiting.
Privacy Protected
All calculations happen locally in your browser. No personal data is collected, stored, transmitted, or shared with anyone.
Mobile Friendly
Fully responsive design works perfectly on smartphones, tablets, laptops, and desktops for convenient pension planning anywhere.
Complete Contribution Table
View the full APY contribution chart for all ages and pension slabs alongside your personalized calculation results.
How Atal Pension Yojana Contribution Works
Total Investment = Monthly Contribution × 12 × (60 − Current Age)Contribution Period = 60 years − Your Joining Age
Quarterly = Monthly × 3 | Half-Yearly = Monthly × 6Understanding APY Calculation Components
The Atal Pension Yojana uses a fixed contribution chart published by PFRDA. For example, if Rajesh from Mumbai joins APY at age 25 and selects the ₹5,000 monthly pension, he will pay ₹376 per month for 35 years until he turns 60. His total investment would be approximately ₹1,57,920, and he will receive a guaranteed ₹5,000 monthly pension for life after retirement, with an indicative corpus of ₹8,50,000 for his nominee.
APY Calculator Examples with Indian Scenarios
🧑💼 Priya, 22 — Shop Assistant in Jaipur
👨🔧 Arun, 30 — Auto Rickshaw Driver in Chennai
👩🍳 Meena, 35 — Street Food Vendor in Lucknow
👨🌾 Suresh, 18 — Farm Worker in Pune
What is the Atal Pension Yojana (APY) Calculator?
The Atal Pension Yojana calculator is a free online tool designed specifically for Indian citizens who want to plan their retirement pension under the government's APY scheme. This calculator helps you determine exactly how much you need to contribute every month based on your current age and desired pension amount, so you can make informed financial decisions for your future.
Launched on 9th June 2015 by Prime Minister Narendra Modi, the Atal Pension Yojana is one of India's most important social security schemes targeting workers in the unorganised sector. It replaced the earlier Swavalamban Yojana and is administered by the Pension Fund Regulatory and Development Authority (PFRDA). The scheme guarantees a fixed monthly pension of ₹1,000 to ₹5,000 after the subscriber turns 60 years of age.
Our APY calculator is built for everyday Indian users — from street vendors and auto drivers to small shop owners and domestic workers. Whether you are a young college graduate in Delhi exploring retirement options or a 38-year-old farmer in rural Karnataka looking to secure your old age, this tool provides accurate calculations based on official PFRDA contribution charts. It is designed with simplicity and privacy in mind, requiring no registration, no personal information, and performing all calculations entirely within your browser. Financial planning experts and government advisors across India recommend using such tools to understand your pension commitments before enrolling at your bank.
Frequently Asked Questions About APY Calculator
Yes, this Atal Pension Yojana calculator is 100% free to use with no hidden charges, no signup required, and no subscription fees. You can calculate your APY contributions unlimited times without any cost. The tool is provided by StoreDropship as a free public service to help Indian citizens plan their retirement pension under the APY scheme.
Absolutely. Your data is completely safe and private. This APY calculator processes all calculations directly in your web browser using client-side JavaScript. No personal information, age details, or calculation results are ever sent to any server, stored in any database, or shared with any third party. Your privacy is our top priority.
This calculator uses the official PFRDA (Pension Fund Regulatory and Development Authority) contribution chart for Atal Pension Yojana. The monthly contribution amounts shown are based on the government-published rates. However, actual contributions may vary slightly based on your bank and the exact date of enrollment. We recommend verifying with your bank for final figures.
Atal Pension Yojana (APY) is a government-backed pension scheme launched in 2015 by the Government of India. It is designed for workers in the unorganised sector and provides a guaranteed minimum monthly pension of ₹1,000 to ₹5,000 after the subscriber reaches 60 years of age. The scheme is administered by the Pension Fund Regulatory and Development Authority (PFRDA).
Any Indian citizen between 18 and 40 years of age can enrol in the Atal Pension Yojana. The subscriber must have a savings bank account, a valid Aadhaar number, and a mobile number linked to the bank account. Existing members of any statutory social security scheme are not eligible. Both salaried and self-employed individuals in the unorganised sector can join APY.
APY offers five fixed monthly pension slabs: ₹1,000, ₹2,000, ₹3,000, ₹4,000, and ₹5,000 per month. The subscriber chooses the desired pension amount at the time of enrollment. The monthly contribution depends on the chosen pension slab and the age at which the subscriber joins the scheme. Lower age means lower monthly contribution for the same pension amount.
Yes, subscribers can upgrade or downgrade their pension amount during the course of the scheme. You can switch between the five pension slabs (₹1,000 to ₹5,000) by submitting a request to your bank. The contribution amount will be revised based on the new pension slab and your current age. This change can be made once per year during the month of April.
After the subscriber's death, the spouse receives the same guaranteed monthly pension amount for the rest of their life. After both the subscriber and spouse pass away, the nominee receives the accumulated corpus amount. For example, if you chose the ₹5,000 monthly pension, your spouse will continue to receive ₹5,000 per month, and the nominee gets approximately ₹8.5 lakh as lump sum.
The minimum age to join Atal Pension Yojana is 18 years and the maximum age is 40 years. This means the minimum contribution period is 20 years (for someone joining at age 40) and the maximum contribution period is 42 years (for someone joining at age 18). The pension payout begins when the subscriber turns 60 years old regardless of the joining age.
Yes, contributions made towards Atal Pension Yojana are eligible for tax deduction under Section 80CCD(1) of the Income Tax Act, within the overall limit of ₹1.5 lakh under Section 80C. Additionally, an extra deduction of up to ₹50,000 is available under Section 80CCD(1B) for NPS and APY contributions. This makes APY a tax-efficient retirement savings option for Indian taxpayers.
Premature exit from APY before age 60 is generally not permitted except under exceptional circumstances such as the death of the subscriber or in case of a terminal illness. If premature closure is allowed, the subscriber receives only the accumulated contributions along with net interest earned. The government co-contribution, if any, is not returned. Voluntary exit was allowed from October 2021 onwards.
The monthly contribution in APY is calculated based on two factors: the subscriber's age at the time of joining and the chosen monthly pension amount. The contribution chart is fixed by PFRDA. Younger subscribers pay lower monthly contributions because they have a longer contribution period. For example, an 18-year-old pays ₹42 per month for ₹1,000 pension, while a 40-year-old pays ₹291 per month for the same pension.
The corpus amount is the total accumulated fund at the time of the subscriber turning 60. For ₹1,000 monthly pension, the indicative corpus is ₹1.7 lakh. For ₹2,000 pension it is ₹3.4 lakh, for ₹3,000 it is ₹5.1 lakh, for ₹4,000 it is ₹6.8 lakh, and for ₹5,000 monthly pension the corpus is approximately ₹8.5 lakh. This corpus is returned to the nominee after both subscriber and spouse pass away.